It is convenient and quick to apply for a credit card online, and some of them can be approved quickly, which is a favorite way for many people to apply for a card. Many banks have no regulations on the number of times to apply for credit cards online. Many people will apply for a second time after applying online for the first time in the same bank. So, do I need to sign the second online credit card application in person? Let's analyze it today.
Do I need to apply for a second credit card online in person?
Discuss according to the approval of the first card.
1. The first card was downloaded successfully, but the card was not cancelled: no matter whether the first card is applied online or over the counter, as long as the card application is successful and the current credit card is not cancelled, whether it is activated or not, the second online application does not need to be re-examined. After all, the bank had already verified the applicant's information and identity when the card was issued.
2. The first card was unsuccessful or cancelled: the first card was rejected and failed. Regardless of whether there was a face-to-face signing at that time, the second online application also had to go through all the processes, including face-to-face signing. If the card is issued successfully, the card will be cancelled, and the second online application for a new user will be re-signed.
Can you check the credit?
Face-to-face interview and credit reporting are two different things. Doing a card in a bank needs to be re-examined many times, and most people will check the credit information for any channel application. Therefore, when applying for the second card, the applicant must maintain a good credit record, and do not have any behaviors that are not conducive to credit investigation, such as overdue or frequent card application and loan application. Once the credit investigation fails, they may be rejected.
In addition, while the applicant has the repayment ability, it is also necessary to reduce the credit reporting debt ratio before the second online application, which are the keys to credit card approval.
The above is "Do you need to apply for a second credit card online?" I hope it helps you.
Is there a time limit for the second credit card processing?
The processing time of the second credit card depends on the approval time and progress of the bank applying for the credit card. If it is a credit card of the same bank, the quota is shared. There is no specific limit on the processing time of the second credit card, but some banks have relevant requirements, generally 30 working days.
The failure of credit card application for the first time is not determined by unilateral factors. Applicants can re-submit information to apply after three months. General banks will comprehensively evaluate the applicant's work, income, credit history, age, etc. It is recommended to supplement the information and the bank will review it again. Generally, the processing time is 15~30 working days, depending on the auditing standards and auditing evaluation cycle of different banks.
For example, CCB can reapply immediately if it does not specify the time in the two application cycles, but if the applicant's application conditions have not changed, the probability of approval is not great.
After the first application failed, how long does it take to apply for Pudong Development Credit Card for the second time?
There is no time limit for applying for a credit card. After the applicant fails to apply for the first time, he will reorganize the materials required for the application and complete the documents required for the application before continuing the second application. The application conditions of Pudong Development Credit Card are as follows:
Any natural person who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income and solvency, and has a good credit status. You can apply for a personal credit card master card with your valid ID card and other documents required by the credit card center. The main cardholder can apply for supplementary cards for the spouse, parents, children and other related parties who are over 0/5 years old and related to the main cardholder.
Extended data:
Review of PUFA Credit Card:
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.